Sands & Associates, BC's largest firm of
licensed Trustees in bankruptcy and consumer proposal administrators, today released results of a study offering insight into BC's soaring consumer debt levels.
Mr. Stephen is a Chartered Professional Accountant, a Chartered Accountant,
a licensed trustee in bankruptcy and holds a Bachelor of Commerce degree from the University of Windsor.
If you're unsure whether your debts are joint or you're wondering how a joint bankruptcy or consumer proposal process works, contact
a licensed Trustee in Bankruptcy to review your situation and discuss all of your options.
A consumer proposal is administered by
a licensed trustee in bankruptcy.
What they really do is refer you to
a licensed trustee in bankruptcy to file a consumer proposal.
The single most important thing to know is that only
a licensed trustee in bankruptcy can provide you with protection under bankruptcy law in Canada.
A word of warning — only
a licensed trustee in bankruptcy may file bankruptcy for you.
In order to file for bankruptcy you must meet with and use the services of
a licensed trustee in bankruptcy.
According to Canadian law,
a licensed Trustee in Bankruptcy must facilitate your bankruptcy filing, so your first step will be to find one.
only
a licensed Trustee in Bankruptcy (who will meet with you to review your financial situation in detail) will be able to help you decide which option is best for your specific situation
In order to make a bankruptcy application you must meet in person with
a licensed trustee in bankruptcy for something called the «assessment».
While there are a number of factors that may affect which option is best for you, keep in mind that only
a licensed Trustee in Bankruptcy (who will meet with you to review your financial situation in detail) will be able to help you decide which option is best for your specific situation.
Bankruptcy can only be filed by
a licensed trustee in bankruptcy under the Bankruptcy and Insolvency Act (BIA) as set out by the Office of the Superintendent of Bankruptcy.
In addition, only
a licensed Trustee in Bankruptcy is authorized to file a consumer proposal under the Bankruptcy and Insolvency Act.
In Canada, personal bankruptcy is filed through
a licensed trustee in bankruptcy.
A consumer proposal can only be filed by a federally
licensed trustee in bankruptcy and as soon as you sign the paperwork, you are legally protected from creditors who may be threatening to garnishee your wages or sue you for non-payment.
Not exact matches
Scott Terrio, an estate administrator at Cooper & Co., a
licensed insolvency
trustee in Toronto, calls this phenomenon «extend and pretend.»
Therefore, you can essentially walk away from your home
in Canada, no matter the amount of the shortfall, if you file a bankruptcy or a proposal with a
Licensed Insolvency
Trustee.
Hoyes, Michalos & Associates Inc. was founded
in 1999 by
Licensed Insolvency
Trustees Douglas Hoyes and Ted Michalos to provide personalized service to help you gain a fresh financial start.
Bitcoins held
in the Trust Custody Account will be stored on computer hardware using computer software owned by the Sponsor and leased and
licensed to the
Trustee.
Response to the proposal was generally favorable, but
trustees balked at requests to waive tap - on fees for water and sewer lines and to include a liquor
license commitment
in the annexation agreement.
In this regard, edfirms are much like a public charter school or private school, but are «owned» by the teachers (instead of a board of
trustees) and are
licensed by a school district.
In Canada the only person who can be a consumer proposal administrator is a Licensed Insolvency Trustee (formerly called a bankruptcy trustee in Canada
In Canada the only person who can be a consumer proposal administrator is a
Licensed Insolvency
Trustee (formerly called a bankruptcy trustee in C
Trustee (formerly called a bankruptcy
trustee in C
trustee in Canada
in Canada).
With over 30 years
in the industry, our
licensed insolvency
trustee has helped individuals and families reduce their debt and set up repayment programs.
If you feel making a consumer proposal
in Ontario is the right debt solution for your debt problems your next step is to speak with a
Licensed Insolvency
Trustee.
In Canada, having
Licensed Insolvency
Trustees administering bankruptcy filings means that you have qualified professionals available to help you and take you through all parts of the bankruptcy process.
Licensed by the federal government of Canada, the following bankruptcy Alberta
trustees and consumer proposal administrators offer free initial consultations
in 26 locations throughout Alberta.
Insolvency and debt management services
in our Toronto Yonge and Bloor office are provided by
Licensed Insolvency
Trustee and Consumer Proposal Administrator, Sandra Sykora.
Alternatively, you can simply complete the online evaluation form and we will match you with a
Licensed Insolvency
Trustee in Alberta
in your neighbourhood.
If you would like more information about consumer proposals
in Greater Vancouver or need help figuring out if you qualify, a simple next step is to get
in touch with Westgeest & Associates, your gov» t
Licensed Insolvency
Trustee, for an individual, private conversation, assessment.
For more details on bankruptcy exemptions
in your province and for answers to your other questions about bankruptcy and consumer proposals, please contact our personal
Licensed Insolvency
Trustee in your area and arrange for an initial consultation, free of charge.
Jeff is a Chartered Professional Accountant,
Licensed Insolvency
Trustee, Consumer Proposal Administrator, Certified Insolvency Counsellor; and meets with clients
in our St. Catharines and Niagara Falls offices.
A consumer proposal is regulated by because it can only be filed with a
Trustee in Bankruptcy, who is
licensed by the federal government.
Shannon is a
Licensed Insolvency
Trustee and Consumer Proposal Administrator, helping individuals with their debt problems
in our Ottawa location.
If you live
in Alberta and are considering bankruptcy we suggest you contact one of the following
Licensed Insolvency
Trustees in Alberta — the experts on Alberta bankruptcy law, by e-mail or by phone, to fully review your situation.
The best thing about working with Westgeest & Associates, your
Licensed Insolvency
Trustee, is that we don't judge or belittle you for being
in debt.
The process begins with a free initial consultation with either Scott Schaefer or Ian Martin, our two federally
licensed insolvency
trustees in Kitchener.
To declare bankruptcy
in Canada you need to seek personal bankruptcy help from a
Licensed Insolvency
Trustee or their qualified staff.
Benny Mendlowtiz is our
Licensed Insolvency
Trustee in North York.
In Kitchener, to file bankruptcy you must meet with a
licensed insolvency
trustee (LIT) who will provide you with the information necessary to help you make an informed decision.
Licensed bankruptcy
trustee Doug Hoyes, talks about why a consumer proposal is better than bankruptcy including what the key differences are between these two options available under the Bankruptcy and Insolvency Act
in Canada.
Your Kitchener
licensed insolvency
trustee is like a referee
in a hockey game: they don't work for either side, but they are there to make sure that everyone involved follows all of the rules.
For this to happen, you trade what you own with a
Licensed Insolvency
Trustee in exchange for the removal of your debts.
At Westgeest & Associates, your
Licensed Insolvency
Trustee, we offer quality debt counselling
in Burnaby with our clients foremost
in mind.
At Spergel, our
Licensed Insolvency
Trustee (
Trustee in Bankruptcy) understand the pressure debts put on you and your family.
Our
Licensed Insolvency
Trustees in Ontario (
trustee in bankruptcy) will meet with you to determine your best debt repayment option, help determine your bankruptcy payments, determine the status of your assets, coordinate with your creditors, and handle other elements of your bankruptcy.
Scott Schaefer and Ian Martin, both
Licensed Insolvency
Trustees and Consumer Proposal Administrators, will personally meet with you
in our Stratford office, located on the second floor of the Scotiabank building.
I'm a
Licensed Insolvency
Trustee and my firm, Hoyes, Michalos & Associates does thousands of consumer proposals and bankruptcies for people who turn to debt to make ends meet and eventually found themselves
in deeper trouble.
Ian Martin is a Chartered Professional Accountant, Consumer Proposal Administrator, and
Licensed Insolvency
Trustee in our Kitchener and Stratford locations.
Michele is an Articling Associate currently enrolled
in the Chartered Insolvency and Restructuring Professional Qualification Program to become a
Licensed Insolvency
Trustee.